Merrick, NY Car Insurance

Merrick drivers pay, on average, around $165 a month for their car insurance. To find out more check out our guide below.
What rates should residents of Merrick expect to pay for their car insurance? Are rates in Merrick higher or lower than those in neighboring areas? How do they compare to the rest of New York? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Merrick?

Area Average Monthly Car Insurance Premium
Merrick$165
NY$199
United States$81

According to the chart above, the average cost of auto insurance in New York is about $34 a month more expensive than it is in Merrick.

The average cost of insuring your vehicle in Merrick is above the national rate. It's about $84 more for coverage in Merrick than in the rest of the U.S.

Although these are the average rates for auto insurance in Merrick, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But worry not, we've done the heavy lifting and broken down the average rate for Merrick to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$251
25-34$129
35-44$142
45-54Not Enough Data
55-64$240
65+$68

Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay $183 more than drivers of retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to go back up in Merrick.

Average Car Insurance Rates by Gender

Gender Average
Male$170
Female$149

On average, female drivers pay slightly less for car insurance than their male counterparts. In Merrick, the difference comes out to about $21 per month. Based on the chart above, you can see that female drivers pay around $149 on average, while male drivers typically pay $170 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$240
Multiple Accidents$138
1 Ticket$143
Multiple Tickets$105

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Merrick with a single accident will pay around $240 a month. Likewise, drivers with one ticket will be looking at a rate of around $143 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$180
2-3 Years$247
4-5 Years$110
6-7 Years$171
8-10 YearsNot Enough Data
11-14 Years$142
15 Years or Older$143

If you look at the first table above, the cheapest vehicles to insure in Merrick are typically trucks and vans, at $63 per month.

Car owners will see a monthly bill of about $163, while SUV owners usually pay around $191 a month.

Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Merrick, the most expensive vehicles to insure are vehicles two-to-three years old and less than or equal to one-year-old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$163
Married$191
Divorced$149

On average, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

The difference in rates based on relationship status in Merrick can be as much as $28 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$134
Rent$192
Live with parents$157

Another factor taken into consideration is your housing status. Homeowners in Merrick can expect to pay around $58 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Merrick, NY

Recent trends in car insurance for Merrick drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.

In Merrick, auto insurance rates have been mixed over the past few years. They fell in 2015, rose in 2019, and decreased again in 2021, before finishing at $124 in 2022.

How does Merrick compare to neighboring areas?

Why are car insurance rates in Merrick different from other areas?

Car insurance companies will take into account numerous factors when they're choosing how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Number of drivers in the community
  • General road safety (how many accidents each locality has)
  • Area laws
  • Off-street parking access
  • Crime

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Merrick?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Merrick.

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Merrick Insurance FAQs

What factors affect car insurance quotes in Merrick?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Merrick different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Merrick?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Merrick?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Merrick or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes